HDFC Bank Regalia Gold Credit Card
The HDFC Bank Regalia Gold Credit Card is a premium credit card from HDFC Bank, with a joining fee of ₹2,500 + GST.
It earns up to 25 pts per ₹200 (≈6.3% value) on marquee partners spends in the form of reward points (points).
Cardholders get 3 quarterly domestic + 6 annual international airport lounge access, plus gift voucher worth ₹2,500 as a welcome benefit.
- Joining Fee₹2,500
- Annual Fee₹2,500
- Best Suited ForTravel
- Reward TypeReward Points (points)
- 25 pts per ₹200 on marquee partners (cap 5000 points / monthly)
- Base 1.25% on other spends
- Gift voucher worth ₹2,500
- Complimentary Swiggy One & MakeMyTrip (MMT) Black Gold memberships
HDFCsignaturepremiumRewards and Benefits
- ₹1,50,000 / quarterly: Myntra / Nykaa / Reliance Digital / Marriott voucher worth ₹1,500
- ₹7,50,000 / annual: SmartBuy flight voucher worth ₹5,000
- air accident: ₹1,00,00,000
- Boarding Edge Program — Complimentary Spa, Buffet, Hotel Room Upgrade, and Airport transfer (any 2 every calendar quarter) by uploading your boarding pass on SmartBuy.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.3% = ₹188/mo
Online shopping — earns base; accelerated rate needs booking via myntra, nykaa, reliance-digital, marks-spencer
- Groceries₹8,000 · 1.3% = ₹100/mo
Groceries — earns base; accelerated rate needs booking via myntra, nykaa, reliance-digital, marks-spencer
- Dining & food delivery₹8,000 · 1.3% = ₹100/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.3% = ₹125/mo
- Utilities & bills₹5,000 · 1.3% = ₹63/mo
₹6,900 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- premium card issued by HDFC Bank.
- Joining / annual fee of ₹2,500 + GST, waived on annual spends of ₹4,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (3/quarterly) + international (6/annual).
- Insurance cover bundled: air accident.
Pros & Cons
- Annual fee waivable on ₹4,00,000 spend.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈6.3% on marquee partners.
- No rewards on fuel spends.
₹2,500 welcome benefit
- Gift voucher worth ₹2,500Joining fee paidWindow: 90 days from issuance.
- Complimentary Swiggy One & MakeMyTrip (MMT) Black Gold memberships₹1,00,000 net retail spend within 90 days of card issuance
Accelerated rewards
- 25 pts per ₹200 on marquee partners (cap 5000 points / monthly)Merchants: myntra, nykaa, reliance-digital, marks-spencer5X Reward Points at select merchants (Myntra, Nykaa, Reliance Digital, Marks & Spencer). Minimum transaction value of ₹150 to be eligible; 5X cap of 5,000 RP/month across all brands combined.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- insurance premiums
- emi
Milestone benefits
- ₹1,50,000 / quarterly: Myntra / Nykaa / Reliance Digital / Marriott voucher worth ₹1,500 (≈ ₹1,500 value)
- ₹7,50,000 / annual: SmartBuy flight voucher worth ₹5,000 (≈ ₹5,000 value)
Airport lounge access
Insurance benefits
- air accident: ₹1,00,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Other benefits
- Boarding Edge Program. Complimentary Spa, Buffet, Hotel Room Upgrade, and Airport transfer (any 2 every calendar quarter) by uploading your boarding pass on SmartBuy.
Sources
- : www.hdfc.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹15,00,000 p.a.